View 2013 Porsche 911 Insurance Rates

Nobody likes having to buy auto insurance, especially when they are paying too much. With so many insurance providers from which to choose, it can be impossible to locate the cheapest car insurance company.

It’s a good idea to check auto insurance prices at least once a year since insurance rates fluctuate regularly. Even if you got the lowest rates on 911 coverage two years ago there may be better deals available now. There is a lot of bad advice regarding auto insurance online but I’m going to show you some excellent ideas to find affordable auto insurance.

Choosing the best insurance company for you is not that difficult. If you have insurance now or are just looking to switch companies, you can use this information to find better prices while maximizing coverage. Drivers just need to learn the best way to shop online.

Don’t miss out on these money-saving discounts

Car insurance companies don’t always publicize every discount in an easy-to-find place, so the following is a list of both the well known and also the lesser-known insurance savings. If they aren’t giving you every credit possible, you are throwing money away.

  • Pay Upfront and Save – If paying your policy premium upfront instead of paying each month you can actually save on your bill.
  • Anti-lock Brake Discount – Vehicles with anti-lock braking systems can avoid accidents and qualify for as much as a 10% discount.
  • Theft Prevention Discount – Vehicles equipped with anti-theft or alarm systems prevent vehicle theft and earn discounts up to 10%.
  • Defensive Driver – Taking a course in driver safety could cut 5% off your bill depending on where you live.
  • College Student – Children who are attending college and don’t have a car can be insured at a reduced rate.
  • Bundle and Save – If you insure your home and vehicles with one insurance company you may save approximately 10% to 15%.
  • Government Employees – Employees or retirees of the government may qualify you for a discount on 911 coverage depending on your company.
  • Drivers Education – Have your child enroll in driver’s education in high school.
  • Fewer Miles Equal More Savings – Keeping the miles down on your Porsche could be rewarded with a substantially lower rate.

A little note about advertised discounts, most discount credits are not given to your bottom line cost. Some only reduce specific coverage prices like medical payments or collision. Just because you may think adding up those discounts means a free policy, you’re out of luck.

For a list of providers offering insurance discounts, click this link.

Why your Porsche 911 insurance rates may be high

An important part of buying insurance is that you know some of the elements that come into play when calculating insurance coverage rates. Having a good understanding of what impacts premium levels enables informed choices that will entitle you to much lower annual insurance costs.

  • One company can mean more discounts – Many companies will give a discount to policyholders who have multiple policies with them, otherwise known as a multi-policy discount. Even with this discount, it’s in your best interest to compare other company rates to ensure the best deal.
  • An active claims history can cost you – If you file claims often, you can pretty much guarantee either policy cancellation or increased premiums. Auto insurance companies give better rates to insureds who do not file claims often. Your insurance policy is intended for the large, substantial claims.
  • Lower miles equals lower premium – Driving more miles in a year’s time the higher your rate. Most companies rate vehicles based on how the vehicle is used. Vehicles left parked in the garage can get a lower rate compared to those used for work or business. Make sure your insurance coverage coverage shows the proper vehicle usage, because it can save money. If your policy improperly rates your 911 can result in significantly higher rates.
  • Don’t skimp on liability – Liability coverage is the coverage that protects you in the event that a court rules you are at fault for causing damage or personal injury in an accident. Liability provides legal defense coverage which can cost thousands of dollars. Liability is cheap when compared with rates for comp and collision, so do not skimp.
  • Do you have a high stress job? – Careers like lawyers, social workers and accountants are shown to have higher rates than average due to job stress and long work hours. On the flip side, professions such as scientists, athletes and the unemployed pay the least on 911 coverage.

Do I need special coverages?

When choosing adequate coverage for your personal vehicles, there really is not a cookie cutter policy. Coverage needs to be tailored to your specific needs so your insurance should reflect that For example, these questions might point out if your insurance needs would benefit from professional advice.

  • Does my personal policy cover me when driving out-of-state?
  • Is pleasure use cheaper than using my 2013 Porsche 911 to commute?
  • Does my insurance cover a custom paint job?
  • What is high-risk coverage and where do I buy it?
  • Can I get a multi-policy discount?
  • Why am I required to get a high-risk car insurance policy?
  • When can my company non-renew my policy?
  • Do I have any recourse if my insurance company denies a claim?
  • How do I file an SR-22 for a DUI in my state?
  • Am I covered if I crash into my own garage door?

If it’s difficult to answer those questions but one or more may apply to you, you may need to chat with an insurance agent. To find lower rates from a local agent, complete this form or go to this page to view a list of companies. It is quick, free and can provide invaluable advice.

Insurance specifics

Learning about specific coverages of insurance can help you determine the best coverages and proper limits and deductibles. Insurance terms can be ambiguous and nobody wants to actually read their policy. These are the usual coverages found on the average insurance policy.

Uninsured/Underinsured Motorist coverage

This coverage provides protection when the “other guys” either are underinsured or have no liability coverage at all. This coverage pays for medical payments for you and your occupants as well as your vehicle’s damage.

Because many people carry very low liability coverage limits, their liability coverage can quickly be exhausted. So UM/UIM coverage is important protection for you and your family.

Medical payments coverage and PIP

Personal Injury Protection (PIP) and medical payments coverage kick in for immediate expenses such as chiropractic care, prosthetic devices and doctor visits. The coverages can be used in conjunction with a health insurance plan or if there is no health insurance coverage. It covers not only the driver but also the vehicle occupants in addition to being hit by a car walking across the street. PIP coverage is not universally available but can be used in place of medical payments coverage

Comprehensive coverage

This coverage will pay to fix damage caused by mother nature, theft, vandalism and other events. You first must pay your deductible and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive can pay for things such as damage from a tornado or hurricane, rock chips in glass, theft, a broken windshield and hitting a deer. The highest amount your insurance company will pay is the ACV or actual cash value, so if your deductible is as high as the vehicle’s value it’s not worth carrying full coverage.

Collision insurance

This coverage covers damage to your 911 resulting from colliding with an object or car. You first must pay a deductible then your collision coverage will kick in.

Collision insurance covers claims such as sideswiping another vehicle, colliding with another moving vehicle, hitting a parking meter, crashing into a ditch and rolling your car. Collision coverage makes up a good portion of your premium, so analyze the benefit of dropping coverage from older vehicles. You can also choose a higher deductible in order to get cheaper collision rates.

Coverage for liability

This coverage will cover injuries or damage you cause to a person or their property. This insurance protects YOU against claims from other people, and doesn’t cover your own vehicle damage or injuries.

Liability coverage has three limits: bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. As an example, you may have values of 25/50/25 which means $25,000 in coverage for each person’s injuries, a total of $50,000 of bodily injury coverage per accident, and $25,000 of coverage for damaged propery.

Liability can pay for claims such as bail bonds, repair bills for other people’s vehicles, repair costs for stationary objects, loss of income and structural damage. How much coverage you buy is a personal decision, but it’s cheap coverage so purchase as high a limit as you can afford.

Be a money saver!

Lower-priced 2013 Porsche 911 insurance is attainable from both online companies as well as from independent agents, so compare prices from both to get a complete price analysis. Some insurance companies don’t offer the ability to get a quote online and most of the time these small, regional companies sell through independent agents.

As you go through the steps to switch your coverage, it’s very important that you do not sacrifice coverage to reduce premiums. There have been many cases where consumers will sacrifice collision coverage only to regret that the few dollars in savings costed them thousands. The ultimate goal is to buy a smart amount of coverage at a price you can afford, not the least amount of coverage.

Additional insurance coverage information can be found below: